How We Help

Many for-profit companies advertise student loan counseling, but don’t deliver. Instead of objective, unbiased guidance, their “counseling” is simply a way of pushing borrowers toward consolidation, which is just one of many possible options. Oftentimes, it’s not even the option that will provide the most relief.

Take Charge America’s student loan counseling is different. Our NFCC Certified and specially trained (more than 200 hours!) counselors work for you. Their goal is to find the student loan repayment option that will bring you the most immediate financial relief, while setting you on a path to eventual financial freedom. We can help all student loan borrowers, even if loans are delinquent or in default.

Two levels of counseling allow you to choose how much help you want.

Determine if you can postpone your student loan payments for immediate financial relief

Determine your eligibility for federal repayment plans, including Public Service Loan Forgiveness

Recommend the best repayment option

Calculate the amount of your payment reduction

Help you identify, complete and submit the correct forms

Be your advocate on conference calls with your loan servicers – We know which questions to ask to make sure you get the right answers.

Follow up with your loan servicers as needed to keep things on track

After completing Standard Counseling, you will know your best repayment option and can complete the process on your own if you choose. If you would like additional assistance, we also offer Premium Counseling.